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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $39,927 |
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 15 · EIN 13-5674085 | Recordkeeping | $14,644 |
ADP BROKER-DEALER11+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,234 | $63,904-68.3% | $89,340-77.4% | $67,986-70.2% |
| Participation rate | 88.7% | 54.3%+34.3pp | 69.6%+19.1pp | 57.2%+31.5pp |
| Annual return | 11.98% | 18.09%-6.1pp | 20.57%-8.6pp | 31.67%-19.7pp |
| Employer contribution / active EE | $740 | $1,627-54.6% | $2,231-66.9% | $2,019-63.4% |
| Participant deferral / active EE | $2,342 | $2,691-13.0% | $3,823-38.7% | $3,358-30.3% |
| Admin fee / account holder | $220 | $3,315-93.4% | $6,704-96.7% | $3,203-93.1% |